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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,736 | $73,787-15.0% | $98,716-36.4% | $82,448-23.9% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 13.27% | 18.57%-5.3pp | 31.81%-18.5pp | 41.64%-28.4pp |
| Employer contribution / active EE | $124 | $1,511-91.8% | $2,279-94.6% | $2,551-95.1% |
| Participant deferral / active EE | $2,477 | $3,081-19.6% | $4,048-38.8% | $4,139-40.2% |
| Admin fee / account holder | $6,122 | $6,500-5.8% | $8,703-29.7% | $7,234-15.4% |